Life, Disability and LTC Planning

Insurance can be used to protect those you care most about so that they have adequate resources when they need them the most.
Learn More

MAKING THE MOST OF YOUR INSURANCE PORTFOLIO

Few people are aware that the life, disability and long term care insurance policies they purchased as recently as five years ago might be unnecessarily costly or lacking critical new benefits due to the availability of a new generation of insurance products.

When you purchased your policies, you may have made certain assumptions about policy charges, interest rates, planned premiums, and other issues – but life is constantly changing. The original reason for your purchase may still exist, yet your needs may have changed, requiring more or less coverage. That’s why it’s important to regularly review all of your personal and business insurance coverages.

A VERSATILE MULTI-PURPOSE PLANNING TOOL

Two important aspects of financial planning involve managing risk and transferring wealth to the next generation. In many instances, the tax advantages of life insurance make it a preferred vehicle for purposes such as:

Providing income replacement for your family and business

Passing family and business wealth to future generations

Providing supplemental tax-free income for retirement

Funding business strategies such as buy-sell agreements and deferred compensation programs

Optimizing Your Insurance Investment

Whether you are evaluating existing coverage or are seeking new insurance, The Miller Financial Group uses several proprietary processes to:

When these situations occur, we work with you and your advisors by first analyzing the existing policy and examining the potential for a life settlement. Based on our findings and your objectives, we provide detailed analyses and recommendations of various options that may include: